LM Funding America, Inc.
LMFA · Price history
Company & revenue
About LM Funding America, Inc.
Primary reporting period: 2025-12-31 · Research updated Oct 13, 2026. A research update is not a new financial filing.
Who they are
LM Funding America, Inc. operates as a cryptocurrency mining and specialty finance company. It operates through two segments: Specialty Finance and Mining and Treasury Operations. The company also engages in Bitcoin mining operations; and provides funding to nonprofit community associations.
How they make money
LM Funding America, Inc. operates as a Bitcoin treasury and mining company, generating revenue primarily through the mining of digital assets. Additionally, the company maintains a legacy technology-enabled specialty finance business that provides funding solutions to nonprofit community associations, primarily located in Florida.
Products & services
Bitcoin mining operations and specialty finance funding services for community associations.
Brands & revenue mix
No separate brand or brand-level revenue disclosure was confirmed in the reviewed sources. This does not mean the company has no brands.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer types
- Nonprofit community associationsSource
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
- Hosting site providers — Third-party providers of hosting infrastructure for Bitcoin mining equipment.Source
Strengths
- Diversified business model combining digital asset mining with specialty financeSource
Risks
- Volatility in Bitcoin prices and production levelsSource
Financial risk observations and what to check
These are saved observations about business performance, not predictions. Review the company filings alongside the interpretation below. Latest stored financial period end: 2026-06-30.
Quarterly revenue fell 62.7% versus the same quarter last year.
Check comparable business scope and currency, then separate volume, pricing and divestitures. One weaker quarter does not establish that the same decline will continue.
Quarterly net income turned from a profit to a loss versus the same quarter last year.
Identify the causes in the interim report and distinguish operating cash use from accounting charges. Prior profitability is not a guarantee of recovery.
Diluted weighted-average shares increased 326.2% year over year.
Compare per-share results with total earnings and inspect the equity footnote. A change in weighted-average shares does not by itself establish the cause, the number of shares issued today, or the economic effect of a split.
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
17
Poor
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
13
Poor
Financial Strength
22
Business Quality / Moat
0
Management
0
Growth Quality
33
Risk / Durability
9
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
36
Avoid
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
39/100
Building Historical Record
Model Score 39/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is low across its combined quality, valuation and risk inputs. This can reflect an expensive share price, business weaknesses, or both; check Company Quality and the category breakdown before drawing a conclusion.
At today’s price, the WSS valuation framework currently reads as less attractive based on the available valuation and market data.
The model outlook is currently cautious.
- •Asset quality scores strongly
- •Insider activity signal is favorable
- •Recent buyback activity is present
- •Elevated debt risk
- •Valuation is a weaker part of the current profile
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for LMFA
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •What is driving LMFA's revenue decline, and does the latest company filing suggest the weakness is temporary or structural?
- •How long can LMFA fund negative free cash flow using its current cash position before it may need more debt or new shares?
- •How is LMFA likely to use its cash advantage: reinvestment, acquisitions, debt reduction, dividends or buybacks?
- •What specifically needs to improve for LMFA to reach sustainable profitability?
- •What future growth or profitability would be needed to justify LMFA's current valuation?
Essential Investment Snapshot
Wall Street Score
17
Opportunity Score
36
Market Cap
$1.8M
P/E Ratio
-0.0
EPS
$-53.00
52-Week High
$68.50
52-Week Low
$1.68
Beta
2.40
Shares Outstanding
348K
Total Revenue
$8.5M
Total Debt
$412K
Dividend
No current dividend
Liquidation Value / Share
$44.61
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Notices for LMFA
Detected from reported data — verify before acting.Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Elevated debt risk
Total debt is at least one year of revenue • Interest coverage is below 2x • Free cash flow is negative
Community Sentiment
0 active · 0 total callsNo personal call yet on LMFA.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Diversified business model combining digital asset mining with specialty finance.
Potential downside factors
- −Debt risk (elevated): Total debt is at least one year of revenue.
- −Interest coverage is below 2x.
- −Free cash flow is negative.
- −Volatility in Bitcoin prices and production levels.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
3 historical score records availablePrevious Score
17
Oct 1, 2026
Change
Unchanged
Current Score
17
Oct 23, 2026
Category Changes
LMFA score was unchanged.
Projected Score
Projected Score
18
Projected Change
+1.3 points
Preliminary comparable-period financial changes suggest improvement of approximately 1.3 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Valuation unavailableCurrent Price
$2.60
Model Intrinsic Value
—
Difference
—
Margin of Safety
—
Intrinsic value is not currently available for this stock, so valuation can't be calculated.
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $8.5M | $8.8M | $11.0M | $6.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $10.7M | $21.6M | $7.0M | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | -$2.2M | -$12.8M | $4.0M | $6.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $5.0M | $3.2M | $817K | $6.7M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $26.6M | $5.3M | $10.5M | $25.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | -$26.5M | -$17.7M | -$325K | -$13.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | -$28.8M | -$18.1M | -$6.5M | -$18.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | -$791K | $1.1M | $444K | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | -$36.7M | -$27.0M | -$7.7M | -$18.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | -$4K | $0.00 | $0.00 | $61K | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | -$36.7M | -$26.9M | -$7.3M | -$15.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $-53.00 | $-82.00 | $-65.25 | $-174.50 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 875K | 348K | 112K | 91.4K | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 875K | 348K | 112K | 91.4K | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$2.1M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$11.75
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-94.4%
Cash Change
+2.0%
Margin Change
-217.3 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Cash position grew
- Debt reduced
What Weakened
- Margins contracted
Potential Score Impact
Positive indicators included EPS growth, cash levels, debt levels. Pressure indicators included revenue growth, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue declined 62.7%. EPS increased 2298.0%. Cash increased 2.0%. Total debt declined 94.4%. Net income margin declined by 217.3 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Dividend data is not available yet. Missing data does not mean this company pays no dividend.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
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Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
3 historical recordsHistorical Score Chart
3 of 3 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Financial - Credit ServicesNews
No news available for LMFA.
Rumor Mill · LMFA
Corporate developments & opportunities
No reviewed developments match this filter.
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